The Platform

Every payment.
One platform.

Card present, online, real-time bank payments, pay-by-link, and AI-powered analytics. Everything your business needs — none of the lock-in.

Talk to us Explore solutions
Card PresentTap, insert, swipe — smart terminals
Multi-switch
Online & eCommerceAPI, hosted pages, recurring billing
Multi-gateway
NPP & Pay by LinkReal-time AU bank payments
Instant
AI Merchant DashboardSmart analytics, routing optimisation
AI-powered

Card Present

Terminals built
for the counter.

Tap, insert, or swipe on Android smart terminals with full POS integration. Our multi-switch redundant infrastructure means no single point of failure — payments keep flowing even when one pathway has an issue.

Multi-switch redundant
No single point of failure. Automatic failover built in.
Least-cost routing (LCR)
Smart routing selects the lowest-cost network automatically.
PAYFAC-licensed
Full payments facilitation — no lock-in to a single acquirer.
Dynamic surcharging
Compliant, card-type aware surcharging built in.
Full POS integration
Native integration with Australia's leading POS platforms.
99.9% uptime SLA
24/7 monitoring — your counter never goes dark.
PAX A920 PAX A77 Ingenico DX8000 Android OS
PAX A920 terminal
PAX A920
PAX A77 terminal
PAX A77
Ingenico DX8000
Ingenico DX8000

Hardware & SoftPOS

More ways to
take a payment.

Our hardware range already covers the counter — and we're expanding. SoftPOS will turn any NFC-enabled Android device into a fully certified payment terminal, with no additional hardware required.

SoftPOS — Coming June 2026
  • Accept Tap & Pay directly on any compatible Android device
  • No dedicated terminal hardware required
  • PCI CPoC certified — meets all card scheme standards
  • Ideal for pop-ups, delivery drivers, and mobile staff
  • More new hardware options arriving throughout 2026
Hardware lineup
PAX A920 & A77
Android smart terminals — counter & portable
Live
Ingenico DX8000
Enterprise countertop — high volume retail
Live
SoftPOS — Any Android
Turn your device into a payment terminal
Jun 2026
More hardware options on the roadmap — ask your account manager about upcoming additions.

Online & eCommerce

Accept online,
over phone, by email.

A single integration that handles your website, phone orders, and email payments through a white-label multi-gateway architecture. Resilience and competitive rates, built in.

REST API integration
Developer-friendly API with full sandbox and documentation.
Hosted payment pages
PCI-compliant hosted pages — no card data on your servers.
Multi-gateway white-label
Routes across multiple gateways for best approval outcome.
Recurring billing
Subscription and instalment payments with tokenised cards.
MOTO payments
Mail order / telephone order — phone and email payments.
3DS2 authentication
Latest strong customer authentication — fewer false declines.
Multi-gateway PCI-DSS compliant Recurring billing
Online payments — eCommerce

Real-Time Payments

NPP & Pay by Link.

Australian real-time bank payments via the New Payments Platform. Send a payment link by SMS or email — your customer pays in seconds, funds settle the same day, via bank-to-bank rails that avoid card scheme and interchange costs entirely.

NPP-native (AU)
Direct New Payments Platform rails — real Australian infrastructure.
PayID support
Pay to phone number, email or ABN — no BSB/account required.
SMS & email links
Generate and send a payment link in seconds from your dashboard.
Same-day settlement
Funds in your account the same business day.
No scheme or interchange fees
Bank-to-bank rails bypass card network costs — keeps more margin with you.
Branded payment pages
White-label payment experience with your brand on screen.
NPP-native Same-day settlement PayID
Pay by Link — flow
1
Merchant creates linkFrom dashboard or API
0s
2
SMS / email sentTo customer phone or inbox
~3s
3
Customer pays via NPPBank app, PayID — instant
~10s
4
Funds confirmedReal-time notification to merchant
Same day
No scheme fees · Same-day settlement

AI Platform

Your payments,
working smarter.

The UrPay Merchant Dashboard doesn't just report — it learns. Real-time insights, anomaly detection, and routing optimisation that improves automatically as your transaction data grows.

Smart analytics
Revenue, transaction volumes and trends updated in real time.
AI routing optimisation
Learns which routes approve faster and cost less — adjusts automatically.
Automated reconciliation
Daily settlement files matched and reconciled without manual work.
Anomaly alerts
Unusual transaction patterns flagged instantly to your team.
Multi-location management
Manage all sites from one dashboard — drill down to terminal level.
Custom reporting
Export any date range, any terminal, any payment type.
Real-time insights AI routing Auto-reconciliation
Today's volume
$24,817
▲ 12.4% vs yesterday
Approval rate
98.7%
▲ 0.3% this week
Avg. transaction
$68.40
▲ 4.1% this month
Declines today
3
▼ AI rerouted 2
Transactions — last 7 days
AI routing active — 99.9% uptime

Enterprise

Built for scale.

Custom pricing, dedicated account management, and real-time reconciliation for merchants processing at volume. Multi-location, multi-terminal, one dashboard.

Custom Pricing

Volume-based pricing negotiated for your business. No one-size-fits-all rates — we model your transaction mix and find the right structure for your margins.

Dedicated Account Management

A named account manager who knows your business — not a call centre. Direct escalation, proactive reporting, and quarterly business reviews.

Real-Time Reconciliation at Scale

Automated daily settlement matching across every terminal, every location. Exception reporting surfaced automatically — no manual spreadsheet work.

Multi-Location Management

One dashboard for every site. Drill down by location, terminal, or payment type. Centralised reporting with the granularity you actually need.

Acquirer-Agnostic at Scale

PAYFAC-licensed with multi-switch redundancy. As volumes grow, routing intelligence improves — always finding the lowest cost, highest approval path.

24/7 Priority Support

Enterprise SLA with direct phone access to our technical team — any hour, any day. Incidents are escalated immediately, not queued.

Settlement & Reconciliation

One report.
One settlement.

Card present, online, and NPP payments all land in a single daily settlement — broken down by scheme, channel, and location. No juggling multiple acquirer reports or reconciling across platforms.

Single daily settlement file
All payment types consolidated into one report — Visa, Mastercard, Amex, eftpos, and NPP in one place.
Automated reconciliation
Settlement matched to your transactions automatically — exceptions flagged, not buried in spreadsheets.
T+1 standard across all channels
Card present, card-not-present, and NPP payments all settle on the same T+1 cycle — one transfer, one day.
Daily Settlement Summary 23 May 2026 — T+1
Channel Scheme Txns Amount
Card Present Visa 142 $8,431.20
Card Present Mastercard 89 $5,217.80
Card Present Amex 23 $1,940.50
Online / CNP Visa / MC 67 $4,882.00
NPP / PayID Bank transfer 31 $3,620.00
Total settled today $24,091.50
Funds arriving in your account today — all channels combined

Ready to get started?

Payments that work
the way you do.

Talk to our team about the right solution for your business. No lock-in contracts, custom pricing available, local support.

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